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Quaint Oak Bank

IDRSSD: 815277
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #815277 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.5% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -7
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 103.5%, cash 11.1% of assets.

Cash / Assets
11.05%
Loans / Deposits
103.55%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
85
Sub-score

Capital position is strong: Tier 1 RBC 12.64%, CET1 12.64%, leverage 9.58%.

Tier 1 RBC
12.64%
CET1
12.64%
Leverage
9.58%
No watch items at this period.

Asset Quality

StrongQoQ +4
85
Sub-score

Asset quality is strong: Adjusted NPL 1.44%, Texas Ratio 11.4%, NCO YTD 0.07%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.07%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -9
58
Sub-score

Reserves are deteriorating: ALLL 1.21% of loans, coverage 85.1%, true coverage 85.1%.

ALLL / Loans
1.21%
Coverage
85.1%
True Loss Coverage
85.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:52:26 UTC